2015 was a rough year for me and my family. My husband lost his job of 16 years due to a lawsuit and bankruptcy at the company where he worked. Subsequently, he was unemployed for five months and eventually took a job he didn’t love and for which he was overqualified. It was hard. An amazing chef with over 30 years of experience in the kitchen, this was not what was supposed to happen. He’s 56. I’m 55. We’re supposed to be thinking about retirement, not starting over.